Overdraft Accounts

Overdraft Accounts is a type of bank account where an overdraft limit is set, and customers can withdraw the amount upto the limit approved by the bank.

Overdraft Accounts Workflow

Overdraft Accounts workflow illustrates the sequence of steps from start of an application till submission of an application in the Origination App.

To know more about the Overdraft flow in Temenos Digital Assist App (post-submission), click here.

Process Workflow

When an existing customer or prospect customer selects Overdraft Accountsin the Product Group Dashboard, the road map in the Origination App for Overdraft Accounts journey is as follows:

• Login Page
• Personal Information
• Product Selection
• Financial Information
• Co-applicant
• Documents
• Summary
• Additional Questions
• Submit Application

UX Overview

This section provides an overview of the Overdraft Accounts.

After you choose Overdraft Accounts on the Product group dashboard, the Overdraft details page appears. This section provides more reasons to open an Overdraft product. Important Disclosures at the end of the section contains vital information that the users must consider while applying for a loan. Click Apply Now to get started with creating an Overdraft application. The User Type section appears.

You can further choose the Overdraft details such as Overdraft amount and purpose in the Product Details section later in the flow. For more information, refer to Product Details.

Reference Table

Journey	Product	Road Map in the Origination App for Prospect Customer & Existing Customer
Retail Loan Origination	OverdraftAccounts	Login Page >Personal Information >Product Selection > Financial Information > Co-applicant >Documents >Summary > Additional Questions > Submit Application

Components

The Overdraft dashboard contains the following list of components:

Component Name	Instance Name
com.olb.common.BrowserCheckPopup	BrowserCheckPopup
com.nuo.loadingV3	loadingV3
com.dbx.Explore	Explore
com.dbx.bannerError	bannerError
com.dbx.breadcrumbs	breadcrumbs
com.dbx.customfooter	customfooterNUO
olb.dbx.customheaderNUOV2V2	customheaderNUOV2V2
com.dbx.dataNotLoaded	dataNotLoadedAd
com.dbx.dataNotLoaded	dataNotLoadedContentImage
com.dbx.dataNotLoaded	dataNotLoadedExplore
com.dbx.dataNotLoaded	dataNotLoadedProdLists
com.dbx.overdraft	overdraft

Configurations

The system administrator will have the capability to configure this module from the Spotlight app. For more information about configuring the Overdraft section, click here.